Cooma vs Girgarre

Girgarre is the younger of the two, with a median age of 42 against 46 in Cooma. In both, the large majority of households own their home and the large majority of homes are detached houses. In Cooma, the large majority of households are couple families. On these figures, Cooma tends to suit couples, while Girgarre suits people living alone.

Which one suits you?

There is no overall winner — the suburb that suits a family with school-age kids is routinely the wrong one for someone commuting into the city. So each of these answers its own question, against a checklist you can see, using the same figures in the tables below.

Families with school-age kids

Cooma

ahead on the one thing that separates them

  • is already more of a family suburb (80% vs 50%)

Weighs schools, house stock, crime, parks, childcare, and who already lives there.

First-home buyers

Too close to call

Nothing among the 1 things we measure here separates them by enough to be worth acting on.

Weighs mortgage stress.

Renters

Girgarre

ahead on 2 of the 3 things we measure here

  • has a bigger rental market to choose from (20% vs 9%)
  • has cheaper rent ($180/wk vs $250/wk)

Weighs rent, rental stress, and how much is for rent.

Commuting to the city

Cooma

ahead on the one thing that separates them

  • sits closer to the CBD (200.1 km vs 204.4 km)

Weighs distance, drive time, and walkability.

Downsizers and retirees

Girgarre

ahead on the one thing that separates them

  • has more residents already 65 and over (22% vs 16%)

Weighs who already lives there, GPs, walkability, and crime.

Investors

Girgarre

ahead on the one thing that separates them

  • is growing faster (0.4% vs -13.0%)

Weighs population growth.

Where they sit

Cooma and Girgarre drawn to the same scale. Both outlines are shown together, so the map answers whether they share a border and how their areas compare.

Cooma Girgarre
Hides rows where both suburbs match

Bars start at zero. Scores, risks and rankings are drawn against their full 0–100 range; other rows are drawn in proportion to the larger of the two.

Side by side, out of 100

Risks are inverted — shown as safety and low exposure — so a longer bar always means better.

Cooma Girgarre
Walkability 0 / 0
Cooma — Walkability: 0/100 Girgarre — Walkability: 0/100
Safety 43 / 38
Cooma — Safety: 43/100 Girgarre — Safety: 38/100
Low fire risk 77 / 82
Cooma — Low fire risk: 77/100 Girgarre — Low fire risk: 82/100
Low flood risk 26 / 12
Cooma — Low flood risk: 26/100 Girgarre — Low flood risk: 12/100

Demographics

Girgarre has more residents (563 vs 94); Cooma rents higher ($250/wk vs $180/wk).

Cooma Girgarre
Population 94 563
+499% vs other
Population trend (2016 → 2021) -13.0% +0.4%
Median age 46 42
Median household income $71,500/yr
+21% vs other
 $56,836/yr
Median weekly rent $250/wk
+28% vs other
 $180/wk

Age profile

Share of residents in each band, 2021 Census.

Cooma Girgarre
0-4 8.5% / 7.6%
Cooma — 0-4: 8.5% Girgarre — 0-4: 7.6%
5-14 9.6% / 10.8%
Cooma — 5-14: 9.6% Girgarre — 5-14: 10.8%
15-19 9.6% / 6.2%
Cooma — 15-19: 9.6% Girgarre — 15-19: 6.2%
20-24 3.2% / 5.2%
Cooma — 20-24: 3.2% Girgarre — 20-24: 5.2%
25-34 4.3% / 12.1%
Cooma — 25-34: 4.3% Girgarre — 25-34: 12.1%
35-44 10.6% / 10.5%
Cooma — 35-44: 10.6% Girgarre — 35-44: 10.5%
45-54 13.8% / 10.5%
Cooma — 45-54: 13.8% Girgarre — 45-54: 10.5%
55-64 26.6% / 15.5%
Cooma — 55-64: 26.6% Girgarre — 55-64: 15.5%
65-74 10.6% / 12.1%
Cooma — 65-74: 10.6% Girgarre — 65-74: 12.1%
75-84 5.3% / 7.6%
Cooma — 75-84: 5.3% Girgarre — 75-84: 7.6%
85+ — / 2.0%
Cooma — 85+: not among its largest Girgarre — 85+: 2.0%

Bars are drawn against the largest share shown (26.6%).

Who lives together

Household composition, 2021 Census.

Cooma 80.0% couple families
Cooma — Couple Families: 80.0% Cooma — Lone Person: 20.0% Cooma — One Parent Families: 0.0% Cooma — Group Household: 0.0%
Girgarre 35.5% couple families
Girgarre — Couple Families: 35.5% Girgarre — Lone Person: 43.9% Girgarre — One Parent Families: 14.2% Girgarre — Group Household: 6.5%
Couple Families Lone Person One Parent Families Group Household

Who owns and who rents

Occupied private dwellings by tenure, 2021 Census.

Cooma 9.1% renting
Cooma — Owned Outright: 69.7% Cooma — Mortgage: 21.2% Cooma — Renting: 9.1%
Girgarre 20.4% renting
Girgarre — Owned Outright: 48.3% Girgarre — Mortgage: 31.3% Girgarre — Renting: 20.4%
Owned outright Mortgage Renting

Qualifications

Highest non-school qualification, residents 15+, 2021 Census.

Cooma Girgarre
Certificate III & IV 17.0% / 16.9%
Cooma — Certificate III & IV: 17.0% Girgarre — Certificate III & IV: 16.9%
Advanced Diploma / Diploma 9.6% / 5.9%
Cooma — Advanced Diploma / Diploma: 9.6% Girgarre — Advanced Diploma / Diploma: 5.9%
Bachelor Degree 5.3% / 4.8%
Cooma — Bachelor Degree: 5.3% Girgarre — Bachelor Degree: 4.8%
Graduate Diploma / Certificate 3.2% / 0.5%
Cooma — Graduate Diploma / Certificate: 3.2% Girgarre — Graduate Diploma / Certificate: 0.5%

Bars are drawn against the largest share shown (17.0%).

Where residents were born

Largest overseas birthplaces, as a share of all residents, 2021 Census. A dash means that country is not among the suburb's own eight largest.

Cooma Girgarre
Bangladesh 3.2% / —
Cooma — Bangladesh: 3.2% Girgarre — Bangladesh: not among its largest
England — / 2.1%
Cooma — England: not among its largest Girgarre — England: 2.1%
New Zealand — / 1.1%
Cooma — New Zealand: not among its largest Girgarre — New Zealand: 1.1%
Netherlands — / 0.7%
Cooma — Netherlands: not among its largest Girgarre — Netherlands: 0.7%
Philippines — / 0.5%
Cooma — Philippines: not among its largest Girgarre — Philippines: 0.5%
Germany — / 0.5%
Cooma — Germany: not among its largest Girgarre — Germany: 0.5%

Bars are drawn against the largest share shown (3.2%).

What people live in

Occupied private dwellings by structure, 2021 Census.

Cooma 100.0% houses
Cooma — Houses: 100.0% Cooma — Flats / Apartments: 0.0%
Girgarre 98.6% houses
Girgarre — Houses: 98.6% Girgarre — Flats / Apartments: 1.4%
Houses Flats / Apartments

Property market

Cooma Girgarre
Median house price — $290,000
Median unit price —
same for both
Median land price —
same for both
Typical days to sell (houses) — 50 days
from 4 sales

Zoning mix

Cooma Girgarre
Rural and farming 100% 99%
Zoning sets what may be built, not what is there today. A single address can sit in a different zone to the suburb around it. Zones as at 2026-09.

Development activity

Cooma Girgarre
New dwellings approved 649
across Greater Shepparton
 264
across Campaspe
Approvals change year on year -23% +63%

Ranking within VIC

Cooma Girgarre
House price —
same for both
Income Higher than 36% of VIC Higher than 15% of VIC
Schools —
same for both
Walkability Higher than 40% of VIC Higher than 47% of VIC
Affordability —
same for both
EV adoption Higher than 29% of VIC —
NBN connectivity Higher than 62% of VIC Higher than 65% of VIC

Liveability

Cooma Girgarre
Grade — D
Score — 15/100
Socio-economic band mid-range socio-economic
decile 5/10
 below-average income
decile 2/10

Risk profile

Girgarre carries more flood risk (88 vs 74).

Cooma Girgarre
Bushfire Low
23/100
 Low
18/100
Crime Moderate
57/100
 Moderate
62/100
Flood High
74/100
 High
88/100
Coastal erosion None
0/100
same for both
Aircraft noise None
0/100
same for both
Industrial facilities nearby 0
within 5 km
 1
within 5 km

Schools

Cooma Girgarre
Inside the suburb 0 1
Rated above peers 0
same for both
Rated at peers 0
same for both
Rated below peers 0 1

Schools in Cooma

No schools recorded inside this suburb's boundary. Children here will be zoned to schools nearby.

Schools in Girgarre

  • Girgarre Primary School Government · Primary below peers

Amenities in the suburb

Cooma Girgarre
Cafes & restaurants 0 1
Childcare 0 1
Banks & Bank@Post 0 1
Waterways 0 15

Mobility

Girgarre sits further from the CBD (204.4 km vs 200.1 km).

Cooma Girgarre
Walkability score 0/100
same for both
Distance to Melbourne 200.1 km 204.4 km
+2% vs other
Drive time (normal traffic) 141 min 145 min
Electric vehicle share 0.3%
postcode 3616
 0.0%
postcode 3624
Rooftop solar per 100 dwellings 56
postcode 3616
 64
postcode 3624

How people get to work

Method of travel on census day 2021 — which fell during COVID restrictions, so working from home is inflated and every travel mode understated.

Cooma Girgarre
Car (driver) 78.4% / 66.8%
Cooma — Car (driver): 78.4% Girgarre — Car (driver): 66.8%
Worked from Home 21.6% / 19.5%
Cooma — Worked from Home: 21.6% Girgarre — Worked from Home: 19.5%
Walked Only — / 9.5%
Cooma — Walked Only: not among its largest Girgarre — Walked Only: 9.5%
Car (passenger) — / 4.2%
Cooma — Car (passenger): not among its largest Girgarre — Car (passenger): 4.2%

Bars are drawn against the largest share shown (78.4%).

Setting

Cooma Girgarre
Elevation 110 m
above sea level, at the suburb centre
same for both

NBN connectivity

Cooma Girgarre
Connectivity score 30/100
same for both
Most common technology Fixed wireless
same for both
Full-fibre (FTTP) share 0%
42 premises
 0%
275 premises

Climate

Cooma Girgarre
Annual rainfall 436 mm
same for both
Summer max (Jan) 31.1°C
same for both
Winter min (Jul) 3.8°C
same for both

Council rates

Cooma Girgarre
Average residential rate $2,449/yr $2,035/yr
Council Greater Shepparton Campaspe

Federal electorate

Cooma Girgarre
Division Nicholls
same for both
Member Sam Birrell
same for both
Party The Nationals
same for both

First Home Owner Grant

Cooma Girgarre
Grant amount $10,000
same for both
Property price cap $750,000
same for both
Eligibility New
same for both

Tags

Cooma

Rural Young Families

Girgarre

Affordable Rural

More comparisons

Other comparisons with Cooma

Cooma vs Stanhope Cooma vs Merrigum Cooma vs Byrneside Cooma vs Girgarre East Cooma vs Kyabram South

Other comparisons with Girgarre

Girgarre vs Kyabram Girgarre vs Stanhope Girgarre vs Corop Girgarre vs Girgarre East Girgarre vs Timmering Girgarre vs Kyabram South
Full data on Cooma Full data on Girgarre
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Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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